Root, Inc.
Updated Filing received by DOL
Root, Inc., a finance & insurance employer in Columbus, Ohio, reported 796 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $597,232 in insurance premiums across 6 contracts and $427,887 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 24, 2026, before the deadline.
Who was paid on Root, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Root, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cobbs Allen · Birmingham, AL | $252,180 | $10,759 | $262,939 | 6 |
| HUB International · Waukesha, WI | $119,374 | $19,997 | $139,371 | 5 |
| Gis Benefits · Morris, IL | $0 | $12,295 | $12,295 | 2 |
| James R Nelligan & Associates · Wall, NJ | $0 | $7,173 | $7,173 | 2 |
| James B Oswald Company · Cleveland, OH | $5,098 | $1,010 | $6,108 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Delta Dental of Ohiodental | 2,048 | $597,232 | $29,365 | 4.9% |
| Community Insurance Companyhealth, prescription drug, PPO | 1,830 | — | $256,196 | — |
| Vision Service Planvision | 1,057 | — | $2,497 | — |
| Magellan Healthcarecoverage not coded | 785 | — | — | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 1,219 | — | $110,475 | — |
| Unum Insurance Companycoverage not coded | 392 | — | $29,354 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Root, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 676 | 796 | +17.8% |
| Premiums filed | $450,254 | $597,232 | not comparable |
| Broker commissions + fees | $338,222 | $427,887 | +26.5% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Caret Holdings, Inc. Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | July 24, 2026 | before deadline | 796 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Root, Inc. pay in health insurance broker commissions in 2025?
Root, Inc.'s 2025 Form 5500 reports $427,887 in broker commissions and fees across 6 insurance contracts ($376,653 in commissions, $51,234 in fees), with Cobbs Allen receiving the largest share.
Is Root, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Community Insurance Company.
How does Root, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Root, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.